Itau Unibanco Banco Holding SA (ITUB)vsSB Financial Group Inc (SBFG)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
SBFG
SB Financial Group Inc
$22.10
+5.11%
FINANCIAL SERVICES · Cap: $143.64M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 208288% more annual revenue ($138.19B vs $66.31M). ITUB leads profitability with a 33.3% profit margin vs 24.3%. SBFG trades at a lower P/E of 9.0x. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
SBFG
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 108.5% YoY
Keeps 24 of every $100 in revenue as profit
Strong operational efficiency at 28.8%
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bull Case : SBFG
The strongest argument for SBFG centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.3% and operating margin at 28.8%. Revenue growth of 11.8% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Bear Case : SBFG
The primary concerns for SBFG are Market Cap, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while SBFG is a mature play — different risk/reward profiles.
ITUB carries more volatility with a beta of 0.22 — expect wider price swings.
SBFG is growing revenue faster at 11.8% — sustainability is the question.
SBFG generates stronger free cash flow (-3M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 65/100), backed by strong 33.3% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Itau Unibanco Banco Holding SA
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ita Unibanco Holding SA offers a range of financial products and services in Brazil and internationally. The company is headquartered in So Paulo, Brazil.
SB Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SB Financial Group, Inc. offers a range of commercial banking and wealth management services to individual and corporate clients primarily in Ohio, Indiana and Michigan. The company is headquartered in Defiance, Ohio.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?